Health savings accounts hold an appeal for younger workers

“The biggest mistake I see people make is, they don’t fund their HSA,” said McClanahan.

Ideally, aim to max out your contributions for the year, and invest those funds rather than keep them in cash. (For 2018, the limits are $3,450 for individuals and $6,900 for families.) Check to see if your employer offers a flat contribution or matching funds, said Gen Y Planning’s Bera.

“More and more companies are incentivizing their employees to choose the high-deductible plan by putting money into your HSA,” she said. “So I would encourage people not to miss out on that money.”